Three "No Less Than" Indicates What Kind Of Financial Management Pattern Changes?

Financial secretary found that the CBRC recently issued a good guidance for small and micro enterprises. The target of financial services of small and micro enterprises in 2015 has been adjusted to "three no less than two" from the previous emphasis on loan growth and increments. From the three dimensions of growth rate, household number and loan to loan ratio, the growth of small and micro enterprises loans is more comprehensively investigated.

In addition, according to public data, Jiaxing Reed financial planner realized that by the end of 2014, the balance of loans for small and micro enterprises in China was 20 trillion and 700 billion yuan, accounting for 23.85% of the total loan balance, an increase of 3 trillion and 80 billion over the beginning of the year, an increase of 1731 trillion yuan over the same period in 2013, and six consecutive years of "two no less than".

The new third "no less than" is the "loan acquisition rate". The CBRC specifically requested that the growth rate of loans for small and micro enterprises in 2015 should be no less than the average growth rate of loans. Loan households No less than the number of households in the same period last year, and the new index "loan yield" can not be lower than the same period last year.

Jiaxing Reed financial planner believes that the new assessment index "loan rate" is a breakthrough assessment index, he made the flat loan rate has third dimensions, so that the loan objectives of small and micro enterprises can be achieved from a number of angles, from the perspective of the whole enterprise category, to truly deepen the reform of the loan system of small and micro enterprises. Although the two indicators have been implemented for six consecutive years, their own persuasiveness is not strong: in the year of CPI above 7%, the total number of loans is only 4.2%, which proves that compared to the whole industry, the total number of loans is relatively backward. The number of households is the same, so we should not separate it from the whole market economy. Only by the rate of obtaining loans can we see the change of small and micro enterprises and other large enterprises.

In fact, we can also note that the main task of this year is to slow down the pace of development and to go to the economic bubble. The government has not done much to explain the lending volume and lending ratio of the whole bank. Assessment index More stringent treatment, we have reason to believe that the overall growth rate of mortgage loans will not be faster than in previous years. In other words, the government has suppressed the development of many large enterprises, but the small and micro enterprises have opened the gates from all aspects. Not long ago, we raised the threshold of paying corporate income tax (200 thousand), and also granted legalization of institutional levels to small and small enterprises, such as P2P enterprises.

What are the new investments of our investment? Jiabu Reed financial planner believes that, first of all, the opportunity to make your fortune in 2015 is limited. In view of the problem of "controlling bubbles", the government will have more timely control over any speculation that may have a lot of bubbles. The biggest possibility is to "eat a candy and slap the face." Under such a premise, our wealth growth should be based on "robustness", and we can also focus on "small and micro enterprises".

Specific ways can be used to invest in undervalued stocks in small and medium sized stocks on the stock market. If the concept of hot spots is involved, the effect may be better. Investment Financial products of small and micro enterprises' asset securitization, or related secured claims. But remember that the word "stable" is the main product. The yield of such products will not be very high, because the profit environment of small and micro enterprises must be given. After investigation, Jia Feng Reed found that the average annual profit growth rate of domestic related small and micro enterprises is about 25%-30%, for example, a financial product, the annual yield of 10%-13.5% is about, which is more consistent with the operation rules of the economic cycle, because it has left enough space for the small and micro enterprises to carry out the next planning, though not too fast, but it is very robust. In addition, it is best to see clearly the delivery instructions of the product, and consult with the relevant people in case of doubt.

There is an old saying in Sun Tzu's art of war that "knowing one's own knowledge and knowing one's own enemy and fighting a hundred battles" will be misread by many people as "victories and victories". But in fact, in the financial field, it is impossible to win all victories, but it is possible to "fight a hundred battles". First of all, we must recognize the situation clearly. When you find yourself in a "business cycle", you want to make a fortune, and you will be deprived of the principal. Unless you can really see the entry point of investment products, otherwise, it will be a "no risk" way of making money to turn the door and build up a car and recuperate.